Navy Federal Credit Union Reviews

I have been a member of NFCU for 26 years. I have conducted all of my major banking needs through NFCU to include, 3 mortgages, countless auto loans, equity loans and numerous other financial transactions. I would have given NFCU a 5 star rating up until about a year ago or so ago. I am not sure what is going on with the credit union, however, I can tell you my recent experiences have been horrible; customer service, communication, and processes have became a nightmare.

Called to receive help on a mistake they made and I was on the phone for 45 minutes. They did nothing to help the situation even after I asked to speak to the supervisor. I would not trust them with my money!

ZERO communication regarding Title Request. Increased Interest Rate in nearly a day. 3 requests for Affidavit by local Tax Assessor due to NFCU stamping the WRONG ADDRESS on blank Title. Online portal not in sync with every other record of phone calls that I have made. There was a 2 week delay and now another month with increased Interest Rate by nearly 200$ more due to this wrong doing on NFCU's end. I'm absolutely disgusted and for the first time considering taking my services elsewhere. DO NOT USE! They get worse by the year. So much for my military service and commitment to this Union.

I just want to say we loved Navy Federal Credit Union but the second we applied for a mortgage loan that love turned into hate!!! We are about 2.5 hours away from a home office so we mainly talked on the phone, sent emails then we need to send paperwork. As we start that process our loan guy started not answering our calls or emails. Thought we had everything l in next day we have the same list so we start sending it in. Come to find out they started a whole new loan!!!! Then they said ignore that so we have are relater said we had everything in but thing and that was getting done next week. Then tonight get a email saying all this freaking paperwork is missing again!!!! Not happy. Never again will I use Navy Federal if we lose this house because their communication is terrible!!!!

First of all, let me just say that every other aspect of Navy FCU has been great. However, if you can go anywhere else for a mortgage, do it!!! The initial application process was handled online and went very smoothly. Sadly, once the human processor got involved, my life became a bloody hell. The processor NEVER ONCE communicated problems with the application. The processor NEVER ONCE answered her phone or returned my phone calls. The processor ONLY ONCE, sent an email apologizing for her lack of communication..., and that was over 6 weeks ago.

Myself and my grandmother opened a joint account within aforethought the possibility of using NF services for business transactions. Despite me being joint owner, authorized user and a POA for my 76 year grandmother they wrongfully flagged all our accounts for fraud and had us submit the same documents a dozen of times. They never grant access to management and fail to provide information over the phone. While our accounts remained frozen for a week, they cost us over a 100K because we could not transact as needed. Additionally, they forced my 76 year grandmother to drive 3 hours to the nearest branch to show her id. Can't believe it, a day where we have FB and Skype this institution did this to her. I have filed a BBB complaint, along with an AG complaint. I wouldn't refer a soul to NF from this day forward.

Watch out for this mortgage lender and stay far away! They are unprofessional and do not communicate important information! Our closing on a home was delayed, because they gave less than 24 hour notice of missing items. The loan processor and supervisor did not return our phone calls or emails! Also did not respond to our agent or lawyer! Never experienced such poor service!

Great Bank to deal with... Until you face difficulties. If you ever get laid off, get a reduction in hours, or need to modify your payment ability, you're in TROUBLE. Recently, a member of my household lost a job and later was hired somewhere else permanently. We advised the bank of the circumstances throughout the process. They assured us they'd help. Although they offered extensions, once those first paychecks came, they HAMMERED us. Multiple payments were immediately due back to back. Then they'd seize pocket change without permission. They refused to accommodate us in any way and almost crushed her ability to initially work. Because of this, USAA will be getting my NEXT car loan application. And probably more of my business from here on out once I'm caught up.

I'm a licensed Realtor and have had to work with Navy Federal on a few occasions. They have never done a "good" job, but this current transaction is a nightmare. They missed thousands of dollars in the closing docs that could have cost my client's money. They are very difficult to reach and under educated regarding solutions to simple problems. Avoid them at all costs. This is my 3rd, and worst, experience. Hopefully, it's my last.

NFCU does not have their act together. My husband and I applied for a joint account but they kept emailing wanting more docs for proof of address. We gave them everything on their approved list and more. I called to ask what the problem was and they refused to speak to me cause I wasn't my husband. I told them he's in the military and currently in the ME. They are a total joke.

As a real estate professional, I will be apprehensive in the future to accept a loan through Navy Federal. Several clients have been extremely disappointed using them for a home loan-mortgage. The title says it all! They ask for repeat paperwork, they do not answer calls, they do not communicate with the client/buyer, nor the title co, atty offices, or the real estate broker/agent. Sub-par is an understatement. Frustrating and should be avoided unless you like guessing and waiting until last minute if the loan will close or not! There are much better choices of lenders out there. Veterans, do your homework before choosing this company! A whole lot of frustration, even if you have a shining high credit score. Shameful and disrespectful to our vets. Buyer/Mortgage shopper beware!

As a realtor who works with dozens of mortgage lenders each year, I have to say that my recent transaction that closed today with Navy Federal Mortgage was one of the worst transactions I’ve experienced in 14 years. There was a complete lack of responsiveness and communication on the part of the loan originator, loan processor and management. The transaction was delayed more than once and the loan team didn’t seem to have any sense of urgency. Customer relations was pitiful. There are MANY great lenders who have loan products for veterans. Do yourself a service and utilize one of the other companies that actually care about meeting deadlines and taking care of their buyer clients.

I joined NFCU in 1987. In my 32 years of using this credit union, this recent experience is the worst I've had dealing with "any" financial institution in my entire adult life. We applied for a mortgage refinance to pull cash out from our existing VA home loan. We applied for this loan on July 8, 2019. We just got an email letting us know we will close on September 6, 2019. Our first Mortgage processor was horrible at communication whether by phone or email. I had to call customer service several time to reach a supervisor before I got a response in the first two weeks from this processor. The assigned processor's poor customer service continued through the first month and was finally replaced after my last complaint by a more "seasoned" processor. With the new processor we had to resubmit several time-sensitive documents again, which further delayed the overall process.

My husband and I are members of Navy Federal Credit Union. We have sent them multiple times the attached SSA-89 form request by Navy Fed in conjunction with other documents. My husband online account has been blocked since July-29, we went to their office located on 2699 Roosevelt Blvd Clearwater, FL 33760, on August 3rd and provided 2 statements. 1 from Spectrum and the other from Sprint, we also provided evidence of driver's license, including the SSA-89 form which was signed on that same date.

Last month over 1,000.00 was taken from my checking account. While on the phone with the fraud department the operator informed me that at that very moment 4500.00 was being taken. Over the recorded line I told her that this was not authorized. She had my checking account closed and issued me a new checking account number. I filed a police report soon after. 10 days later I received an email from NFCU stating that my claim was denied after a thorough investigation and that I was responsible for the nearly 5500.00. I called the investigator, David, four times (and documented those times in my rebuttal letter) and never got a call back. I sent my IP address to them and I questioned whether this "thorough investigation" involved actually checking the sender's IP address as well as whether they listened to my voice conversation at the time of incident stating that the charges were fraudulent.

As a military veteran, I have to say that I've enjoyed my banking time with both Navy Federal CU (NFCU) and USAA Bank for their online resources specific to a not-so-small segment of the population that is often misunderstood and stereotyped by the general population and by social media. We are also 2x as likely to have data breach incidents and identity theft than civilians, from independent studies. What both NFCU and USAA have provided me are less headaches, stress and anxiety, and stomach ulcers from banks and credit unions that "claim" they wish to honor service-members, retirees, dependents and survivors, and veterans. Most will say the same about emergency services and their sacrifices as well.

Have been with Navy CU since 2013. We opened an account for our daughter before she joined college three weeks ago. We went to the main branch in Vienna, VA and provided original passport, SS card, University ID card and DoD orders. Our daughter was provided with an ATM debit card on the spot and was told that all was fine. When she tried to use the ATM card it was declined. We called them only to be told that we were missing an IRS form which we provided. Then the card was declined again. We stopped by the branch only to be told that they were missing proof of ID, proof of address and SS number which we did provide again. Then we were told that the account was flagged by their fraud department because our daughter's address was different than ours.

I contacted NFCU and inquiring about refinancing my home loan. I was assigned to a “Mortgage Processor", I provided all documents they requested and told they are working on my application. I waited a for a month and I did not hear anything from the “Mortgage Processor". I contacted them again and asked about the status of my application, the “Mortgage Processor" replied “Approval letter has been sent out”. I waited another 30 days and I did not hear back from them again.

I was very displeased with the service provided by Navy Federal. It was hard to get ahold of my refinancing team members. I would leave voicemails and send emails. They were terrible at returning messages. When my loan was transferred to the 2nd half of the process the same thing happened but even worse. It would take a week or two for them to get back with me. Finally after 4 months of trying to deal with this company I decided to pull out and go with another company. I had cc'd the supervisors with no response as well. After I decided not to use this Navy Federal anymore a supervisor contacted me. I asked her how long it usually takes to get a refinancing complete and she told me 45-60 days. I then asked her why after 4 months are we still in the process. She could not answer. If you want horrible customer service then stick with Navy Federal. I went with Veterans United and from start to finish it took 3 1/2 weeks to close.

Convenient, trustworthy, and reliable. I have been with them for 25 years. Whether it was a mortgage, car loans, or investments they can be counted on for fast, confident services. No matter what time of day they are there with the help you need. With many convenient locations or by email or phone they are there to assist.

I applied for a home equity loan. Prior to do so and to ensure we did not waste our time or others’ time and to avoid paying for credit reports for nothing, I advised the representative what our credit scores were and asked if that met the minimum to apply for Navy Federal’s Home Equity Loan. The associate assured me there was no minimum. We went through a 2 week process of research and filling out and submitting documents and paid for two credit reports. I waited about a week, and, when I did not hear anything, I called and inquired and was transferred to “Molly”, a processor. She advised we were declined. I asked why, and she stated in a demeaning way, “Your credit score is 537.” Her tone clearly presented her prejudice against that score.

So Navy Federal sent me an offer of a $200.00 bonus if I would refinance my auto loan through them. Well after 2 hours on the phone and a credit check they were willing to up my rate, shorten the length of my loan, raise the amount of my payments and would not send the pay off directly to the bank who I already had my loan with. Thanks Navy Federal for wasting my time and dinging my credit. I will never go back and put myself through that again. I would suggest you save yourself some headache and look elsewhere. I rate them at minus 3 stars!!! And two thumbs down.

I have been a member for over 50 years but only seriously began using their online services about 15 years ago. I began using them again when many of the traditional community banks were getting gobbled up by the larger ones and I was looking for some stability in my banking relationship. They are a terrific banking option. With competitive rates and dedicated representatives. Also very importantly, they have human reps that you can call for answers.

I have done many mortgages in my life. I have perfect credit and strong finances. This is by far the worse. Already past the closing date with no date in sight. They keep saying they are working "hard." This is my first and last mortgage with Navy Federal. They leave everything to the last minute and then they try to blame it on you. They had two people working my mortgage. Very confusing. I will send documents to one and the other person will ask me for the same documents telling me that haven't received. You call them and email them in advance and they tell you that everything is in order and they have everything they need. Few days before closing is a rush and they start using "potential delay". They know from day one that they are going to be late. They are overworked. Do not recommend. Do not waste your time. Breaching a contract can cost you!

Navy Federal Credit Union is BAR NONE the best financial institution out there. They offer so many services and their customer service is beyond reproach. I have been with them for around 30 years and they have been there for me in so many instances. I will never leave them!!!

Navy Federal is a great app one bank. Zero technical difficulties in my first 2 years with them. When I have had to call them, the customer service people are all friendly, patient and knowledgeable. I highly recommend this credit union!

I have been with Navy Fed since 2002 and at first they were easy to work with, always helpful, and considerate. The last six or so years that has changed, that was about the time I moved my banking over to USAA. The latest experience was getting a mortgage when the Navy moved us from Virginia to California. We shopped around for possible lenders and chose Navy Fed for ease of access. There were moments through the process that was very frustrating and our Mortgage specialist was on the edge of rude but we got our loan completed. We had no problems again until June when we went to refinance the loan to drop the rate. We went with Navy Fed again because it was supposed to be a simple IRRL, this couldn’t be farther from the truth.

2 weeks ago applied for a mortgage online, the loan officer called us once only to ask how we preferred to be contacted. She emailed 5 days later after numerous phone calls trying to connect with her verifying the loan amount. We had a lot more information to add to the application but they don't even call us to give us any update or respond to requests at all!!!! This was 18 days ago!! WTF! I was a loan officer for 10 years. I have never felt so unimportant in my entire life. If I could give them negative 10 stars it would not be enough. I will be taking my money out ASAP.

Everything you need in a single process, includes gap protection. The process takes minutes and is very painless. I think I waited longer to see the loan officer then the process. I'm sure if I needed to the process could be done on my phone too.

Getting the loan was excellent, and I had a great experience with them. Maintaining credit with customer service is okay. Customer service needs to be friendly and understanding. Other than that getting, the loan was impressive and I enjoy the process.

In May 2019, after reviewing rates, I decided to apply for a VA mortgage with Navy Federal Credit Union. I submitted everything that was required per information on their website and I received pre-approval in a very short period of time. My loan officer was Ms. ** and she was phenomenal, she contacted me a couple of times to verify some information, and once she had everything in order, passed my information to the loan processor, Mr. **. He immediately contacted me and explained where I was in the process (awaiting VA appraisal and titling). He also told me that Ms. ** had done an outstanding job of preparing my loan packet and he was sending it for the first review.

I went to this branch because it is close to my work and should be convenient. My transmission blew so I took money out of my fidelity account to cover it and some other bills I had. They sent a check and on 7/10 I went into the branch to deposit it thinking as a customer in good standings it shouldn’t be an issue. I was not informed until after the deposit that it was placed on a 5 day business hold and as I was told there is nothing they can do about it. I called the bank numerous times over the next 3 days because I have never had this happen before and was told it wasn’t mandatory, the branch manager could release it and if I had used the ATM it would have been on hold for only 2-days. I ended up having to rent a vehicle and pay storage fees while my FIXED truck sat at the repair shop while I waited for this to clear.

Would like to say this without a doubt is the best bank I have ever dealt with. Never had a issue cashing a check, unlike with some banks that charge fees. Always friendly and helpful employees. Now that I bank with them the whole banking experience is even better. NFCU tries really hard to make your banking experience easy as can be.

Navy Federal Credit Union has very competitive loan, rates based on your credit score, and do not try to gouge you. Also, they do not have hidden fees. Best of all, they have a no-nonsense, streamlined loan process and can respond to your request quickly.

So, I was getting things talked out with a security on phone. Can I say...they need to stop being rude and start being a little nicer. Oh!! AND a bank teller lady can use a smile too. Get more people who is nicer and not a you know what! Thanks!

Quick, fast, efficient and informative info on options. Offered car selections to purchase also. Less confusion from previous car buys. Loan specialists were very helpful on weighing costs of a new versus used cars and also had option to purchase and have delivered cars from out of state.

I have had great experiences with Navy Federal in the past. I have been a long time customer of about 13 years and usually it's my first choice for loans. However customer service in many departments and rates have been suffering quite a bit recently. I was in the process or purchasing my next home (4th home purchase in 7 years, so I am not new to the experience). I sat down with an agent to submit my mortgage application without shopping around as I have had great rates in the past. With an 800 credit score I was approved for a loan at 4.8% interest for a conventional loan no money down. I thought great, I didn't even bother to shop around. I get an approved offer in on a house and submit all my documents required for loan approval etc (income, W-2's, rental income, asset statements, etc) all within 24 hours.

I've a great understanding how this company rates the value of needs and services it can provide for me. Therefore I trust their quality of personal care and fair rates. I would go with this loan institution first consideration then see others last.

I have been a member of NFCU since 1974. In the last year the website has been down more than in the previous 40 years. Lack of sound management practices leaves us members trying to visit our accounts in a quandary. How can this happen in today's world? We are flying faster than the plane we are riding. Right now, 6 JUL 2019 at 0933 hrs MST, the website is down again. Tried the backup site, and it denies access also. Anyone that understands this knows the system, outside of the web, is robust and running fine. Call them, and they have access to everything, while you don't.

I came to NFCU because I heard so many reviews of how 'good' they are and how they really work with their members. I am a 100% disabled Air Force veteran and I can honestly say that has not been my experience. Now that I look back at who was telling me these great things, none of them were veterans. Only 1 was an active duty member and the rest were 'family' of a member.

I was just on the phone for 1 hour and 6 hours and with Navy Federal. I spoke with 4 people, the last I spoke with being Becky on the phone (a supervisor). It was the most horrible phone call of my life. She was awful, verbally abusive, and after that phone call I want to crawl into a hole and die. She was unable to help me, interrupted me repeatedly, raised her voice, blatantly lied about the previous representatives had said, claimed I was lying after I told her what the last two representatives said (check the tapes of the conversation for proof), refused to provide any real help or support, threatened me, refused to allow me to speak with anyone else, refused to close my Navy Federal account, and told me to call back because she refused to speak with me. Becky was by far the worst customer service representative I have ever encountered and top 3 worst human being I’ve ever encountered.

I have submitted two separate mortgage applications through NFCU and each time I have experienced the same issues. In order to get pre-approved for a home mortgage they require you to complete a mortgage application and throughout the process it is impossible to get in touch with the loan officer. I have have been with NFCU for over a decade and have had a great experience with every other department so I assumed that their mortgage department was the same; however, I couldn’t have been more wrong.

Locked out of my account several times and when I call to regain access to my own account they were unable to help and extremely rude about it. Any question I asked was prompted with a rude response and the agent was getting angry at me for not understanding why I couldn't get access to my own account. Then I was told that I would have to fax over the information that I had just provided her with (such as my SSN) to gain access to my account which will take 5-10 business days. Until then I do not have access to my money. When I asked the operator to stop getting mad at me for answering question she claimed she was just being direct and assertive. Horrible experience. Very rude. Constantly locked out of my account.

Was a member of NFCU just over a year - I joined for the convenience as there's a branch near me. We applied for a Home Equity loan to do our 20 yo roof but our handler told us that a missing shingle found during the appraisal would prevent the loan approval! It's approval would be contingent on our having the roof repaired first. She explained that she was trying to save us the cost of a full appraisal since it would now be required(?!), but that she wasn't going to allow us to proceed. Her logic was that we should spend thousands up front to preclude the need for a full appraisal & it's fee. When I pointed out the difficulty involved, she confessed to not knowing "the ins and outs" of the process. I was stunned. BTW USAA does not offer Home Eq' or HELOCs, and the home and our credit are in otherwise great shape. I had no problem getting a loan elsewhere.

Navy Federal Credit Union highlights one of the key benefit to enrolling in its premium Flagship Reward Credit Card is its "cellphone protection." The efforts, the hoops, the impediments/obstacles to collecting on this benefit borders on the absurd--from its website, customer service, emails, duplicative submissions, multiple phone calls--all for the possibility at the end to collect $200 for a damaged iPhone cellphone. Frankly, it is a complete waste of time, which, I believe, is part of the process.

Company refuses to provide written details of interest rate offers, bait and switch tactics, all done over the phone without paperwork... One week before home closing they request paperwork - change the interest rate - and then send fraudulent information to all parties involved.

I applied for an auto loan online - the process was fast, but there were a couple of things that went very wrong! 1. The auto draft payments box, had to be selected in order to proceed, fine no problem with that- until; the 1st payment was deducted before it was due, then i got a notice that my first payment was late?! It took me 4 uncomfortable conversations with people who talk to you, without care, and rude, because their only objective is to get you off the phone! To finally get my auto loan draft to draft accordingly; half every 14 days opposed to full payments every other week! 2. I also checked the box for GAP insurance, I thought it to be an intelligent move to protect the loan, my investment. I found out 2 months later after reviewing my account online, which by the way is not transparent at all, compared to other financial institutions I transact business with, that I did NOT have GAP insurance!

Every person in customer service through the phone is rude and refuse to care about the customer. I regret ever opening a bank here. They are the worst and I will never deal with this type of unprofessional behavior again.

I joined NFCU because I'd heard a few good things and wanted to avoid other big banks. Since joining in 2014, my experience has largely been garbage. USAA has been my main bank since 2008 and I will continue to use them and a local credit union instead. My biggest issue lies with their transaction timelines. Transactions are not posted immediately or even in a timely manner (24 hours and upwards, no postings on the weekends) and because of this I frequently overdraft my account when I use it, believing that the posted balance is what I have to work with, when in reality there can be multiple transactions "pending" that are nowhere to be seen from account management.

I was trying to apply for a membership with NF and they screwed up my entire application 3x. I am a military spouse and sent in all the documents they asked for and got an email that said, "Thank you for sending the documents. Takes 3-5 days to review." So I waited and called them again to check on the status on day 5 and was told documents were still missing even though I sent them. I did this process 3x. Finally called again after I got an email last Tuesday (1 week ago today) saying membership pending to check on the application status. The lady told me once again missing paperwork even though like before I sent in my military ID and vehicle registration. She told me, "Sorry you have to redo it" because it got denied the first time due to the representative not doing something right on my application.

Navy Federal used to pay military up to 3 days in advance. Now they don't, I used to deposit checks using the app and in the branch and the money would be available right at the moment. Now they are available 3 days after. Only reason I still use it is to transfer money to my online banking which gives me a better interest rate.

Unauthorized card charge with photos to Navy Federal showing what I was trying to explain about an unauthorized transaction made to my account just because I use my checking account to make past payments as (one time payment). Prior to the transaction I had already deleted my account from the other bank and they still used my account without authorization using the payment history, so we call the bank that made the transaction and they blatantly said, "Yes we used your account because it was in the history but yes appear that you had deleted" and that they sorry but could not return the money and blah blah.

So in March of 2019 I applied for a loan (auto), and it was approved. 24.5 @ 7.4%. Not too shabby. I go to the dealer which was out of state from me, so safe to say I planned on driving my car home. Get to the dealership to find out Navy Federal will only provide a fax saying your loan is approved, until a hard copy is generated. I wasn’t told this until I got to the dealership so I’m kinda stuck now. So I the rep wasn’t able to help me there. So I finance through Capital One (idk why, I’ll take blame for that) 22.2@10.11%. Mind you I’m still waiting on my NFCU check to come. So I get the car. No worries. Car is great. Even got extended warranty with the price.

I have been a member of NFCU for almost 10 years. I have always been satisfied with their customer service and as far as the agents I spoke to in regards to this issue were very understanding and helpful, but still didn't get me anywhere. I had performed a service for someone and they wrote me a "Cashier's Check" for $1850. My thought was, a cashier check was pretty safe to accept and I had no reason to believe my clients would stiff me. Because I live over 100 miles from a branch office, I always used mobile deposits. It was great! My deposits were usually approved within a couple of days. Therefore I deposited this check using mobile deposit. Of course due to the amount, I was initially credited for $200 until the remaining amount could be verified.

I assumed what was a joint mortgage. First they totally lied about how much it would cost by a factor of ten. Two the loan officer was incompetent; at the conclusion there was still a form he forgot to include. Three, a simple assumption took five months because, and my loan officer told me this, refinance is a higher priority than loan assumptions. They did have the lowest rate of any bank but because they were so slow they messed up my taxes. I would only use them from Jan to April.

Best mortgage I have ever had and I have had several. Great company all the way and they don’t sell your mortgage. Excellent service, rates and options. A really good experience. The company is only open to military and veterans.

From the first day I spoke with Reece ** I knew this wouldn't be a pleasant experience. He was very monotone and acted as if he could care less. My husband told him to call me at 5pm, he didn't call until almost 5:30pm. He either takes forever to respond to emails or he doesn't respond at all. My husband sent him a couple emails and he never responded until I began to email him and call. When I told him we didn't receive a response he showed ZERO remorse and obviously didn't care. Reece really lacks customer service. I understand he may not like his job, but the customer should never feel that.

We jumped through hoops to apply for a mortgage with Navy Federal because we were told by friends that they have great rates. Had to pay $5 to open an account and become a member before we could even start the mortgage application process. They have you fill everything out, and then buried in tiny text at the very end is a disclaimer that they charge you $18.95 per person to run your credit.

I have been back and forth with this bank in regards their practices of fees. They would charge fees twice for a same transaction. I also bank with Chase who does not have these practices. I switched back to Chase after experiencing this issue with NFCU. I was told that it was good to bank with a credit union, however, this was not my experience with NFCU. Their charges are lower than other banks but they add up significantly. I personally believe that this "military" bank is not here for us. I would recommend anyone to look for other options out there.

I've used NFCU as my bank for as long as I can remember and have always had an amazing experience with them. The best customer service and services out there! Except when it came time for me to purchase my first home, and my loan officer was Eliana **. There was not one situation in which they were responsive, prompt, or on time. For each step of the process, I found myself having to leave multiple voicemails and emails each day, and not hearing back until the end of the week. This became such an issue that I was charged in TWO different scenarios to amend my contract to close on the house because Eliana didn't initiate my appraisal when she said she would (it wasn't even the same week).

Extremely disappointed with how they treated their member who was unhappy. I never have to call for customer service but in this rare occasion I called and Jessica completely dropped the ball on this one and just based on that experience I will be closing my account with Navy Federal.

Updated on 04/26/2019: I was advised by NFCU to consider having OOPS, during the chaos of having my account confiscated on February 15th. This action caused delay on my bills with late fees added on. Yes, NFCU granted me credit but taken back when my account was already in the negative and after a plea to pay in full just a couple of days later. I can not purchase anything with a negative balance but yet they went beyond reach to draft the credit; which made the negative account balance larger. As insisted by NFCU, on April 22nd I called before noon for the OOPs, Get a message on April 24th that it was declined because of a negative balance. Why am I still dealing with this bank? I was laid off from Wachovia before Wells Fargo taken over, I have over 16 years of banking experience. I thought being with a CU would be better, I am wrong and been with them too long!

I wanted to know if a lien against my home would disqualify for a 10.1 ARM. The home is worth 1000000 (one million) recent appraisal. The loan is 350,000 and the lien is 150000. They said no problem... Then they did a 180 and said we don't know. It's a rule isnt it? Why is it so hard to decipher their own rules?

I have been with Navy Federal for over two years. I opened a checking and saving account. I went to this bank because my daughter served in army. I had another bank I figure I give this bank a try. Well why did I do that I get paid every week. So on this past week which was 4/4/2019 I goes to check my account and it stated I was overdrawn by 100.00 so I called the representative that suppose to supervisor. He answered the phone very nasty and ignorant. As of 04/04/19 I will not let any of my money go into this account.

I have been a member with Navy Federal since 1999. It is now 2019. From February to March I've made nearly $9,000 in transactions. Normally there wouldn't be a glitch in any way, especially with Navy Federal. As of recent Navy Federal has been losing my money as well as incorrectly transcribing deposits. I'm not upset about the money aspect, but I'm very hurt that I can no longer trust Navy Federal with my money, which is =, to my time, = my life. I miss the old you Navy Federal and I'm an idiot for trusting any organization. If you value the money you earned I'd recommend staying away from Navy Federal.

The overall handling of the application process fail to meet my high standards. The appraisal was a racist. Entered my home, would not except upgrades nor would he look at blueprints of the home. Comparable so we're not nowhere in the same built as my home. He conducted a shady job just to get paid.

I have been a member for about 13years. I had good experiences when I first joined but it has gone way downhill. I filed a dispute for products that I paid for and never received. In November. In December I was given a credit for $600, which is the amount I was disputing. I sent messages with documents and details... never got a response. I called almost daily to get an update and no one ever knew. I was transferred in circles and had to explain everything over and over again. I went into a beach to try to figure out something and was told oh yeah that sounds like fraud so call the fraud department, we can't help you. Then I randomly get a letter in the mail saying my case was closed... out of nowhere!

I make my 400 CC payment just to turn around to see another $100 added back on top of the payment I just made. It's like I'm not even making a payment at all and getting $100 added on to my balance every month!!! RUN RUN RUNNN!!! NEVER AGAIN!!!

I have been a member of NFCU for many years. When I first joined, they had an amazing team. I don't know if someone new has taken over or what, but their customer service skills and overall caring has gone down the toilet. I have two loans with them: one for my vehicle and one for dental work. Due to financial hardships, I have fallen behind in paying them, but I have been slowly pulling out of the hole. Unfortunately, they do not seem to care about all this and have pulled any and all deposits I get in the last month to apply towards the loans. I completely understand they need to be paid, and I'm not objecting to that. What I AM objecting to is as follows.

Everyone grab your popcorn, candy, and drinks. This is about to get juicy! I have been a customer with Navy Federal for several years and I will say they were nice in the beginning. I don't keep a balance on my cards and keep my utilization under %10 so when I requested a credit limit increase I was declined. I called to see why they decline me and they gave me the runaround and were rude. Anyway I am not using any of my cards with them only once or twice a year so it looks good on my credit report.

I applied for Navy Federal Credit Union membership online on Feb 21, 2018 and wanted to open a traditional IRA, by transferring the account to them from another custodian, and then purchase their current IRA Special 5 year cd with APY 3.75%. I am age 87 and do not know how to supply the additional required documents including me and my wife's drivers licenses and a utility bill with our address, using the secure email that they sent to me, which I explained to them. They could not show me how to do it using my iPhone to take photos of the items and then send them by the secure email. After 45 minutes on the phone with them. They then told me to fax the items to them and gave me their long distance fax number, which I verified twice, I then went to Staples, which I have used for long distance faxing many times over the last 10 years. Staples gave me a confirmation receipt.

I received a car loan from them. I went to purchase a car, turned over the check. I immediately realized that my husband and I was scammed by the dealership. We called Navy Federal to see if they can stop the check. They told us they gave their word to scam artist and they have to uphold it. So now 11,000 later, the scam artist is gone with our money. We have no car and all Navy care about is sending me a 1000 letter of when my first payment is due. Every one win but their actually client.

NFCU is the worse! They just stole $216 from my accounts. I called in to see why my accounts had zero balances and was told by a rep that the transferred were completed through the mobile app and they had no idea where the fund were transferred to. I made no transactions through the mobile app so I knew that was a LIE. The rep then informed me the only way to stop the money from being moved was to have "whoever" made the transactions on the mobile app reverse them... ANOTHER LIE!!! I called back to speak with a supervisor who was no freaking help at all!! I will be closing all of my accounts with this shady bank!!! I have never been robbed with my in my life by a bank until NFCU! They are horrible!

Last week we received our $5,800 tax money and on the same day it showed a $4,000 transfer to a credit card. We had no idea what and how this was possible because we did not do it. I call the bank in the evening to find out where did all our money go and the women said the credit card department took it to put towards our debt back 4yrs ago with them. We said how is that possible when we did not even agree to it. Well, she said to call the credit card dept. in the morning at 10mn (which we did right at 10 am). The women who picked up the phone was nasty right off the rip and all she said was she was going to put us on hold so I knew immediately who we were going to deal with once she came back.

Let me just say, NOT much difference in "For edeposit only" and "For deposit only". Wow, just wow! Because I didn't put the small little e before the word deposit they REJECTED the deposit!!! I have NEVER had a bank treat this before this way. USAA, no problem. Randolph Brooks CU, no problem. NFCU, petty BS!!! Since this may lead to a delay in funds available as they waited 24 hours to tell me, and now have to wait another 48 hours, it will lead to possible NSF. This is crazy. Time to close their account and take ALL my business elsewhere.

The worst service I have ever experienced with a checking account. I was given wrong information twice by the same person. I signed 3 of my siblings up under me with 2 of them signing up online via a join now icon that promised they and their sponsor would receive $25. Well, one of my siblings received the $25 but they are denying me as the sponsor the $25 and they are denying my other sibling her $25. We had to call 5 times to finally get it resolved. I will not be referring anyone else to them because they lie and are not people of integrity.

The reps who assisted me for THREE days in this process, while nice, were VERY uneducated in the actual processes. They advised me through steps that were wrong, and greatly damaged not only myself, but my cosigner. So I just didn't get screwed, they did as well, which breaks my heart and infuriated me more than anything. And their flippant responses to that are the reason I will never give them another dime. And I find out later, after being "approved" already for a loan amount, that I actually WASN'T because they make offers BEFORE they EVER look at your actual report, and are "still subject to denial", then WHY OFFER ANYTHING UNTIL YOU HAVE ALL THE INFO FOR A DECISION??!!

I opened up a credit card with them some time ago. It was great. Then I asked for an increase and that was great as well. Well due to life’s bad choices I had to consolidate some credit card bills through Freedom Financial. In order to negotiate you have to stop paying on your credit cards. Through that process of course you’ll tag on the late fees and become delinquent then begins the calling from the creditors. We are told not to answer and to let Freedom Direct handle it. Little did I know Navy Federal transferred money I had in my savings towards the credit card bill. Luckily it was only $32 at first and then another $10. By the time I realized what was going I had one more ACH pending. I went to my mypay and stopped the deposit. I hope USAA doesn’t do the same. I do not know if it’s in their disclosure or not but please be careful when considering a credit card through NAVY Federal.

Navy Federal used to look out for its members, pending deposits would show up and remain the day before, pending credits would be posted all the time. Within the last year or so they have changed how the checking tracked. The worst thing is, now I am sitting here at 0700 and am expecting deposits in total of $10,000 from my salary & Yearly bonus and they show my account having been unchanged from yesterday to today. Seriously considering switching banks after being a 13 years customer!

They stole almost $300 from my savings account and refuse to acknowledge it. They are thieves of the worst kind and I wouldn’t recommend anyone to bank with them. The customer service is terrible. Expect to be swindled.

They take money from you. They been stealing money from me and I'm just finding out 2/20/19. Getting a lawyer and I know I'm not the only one that this has been happening to. MORE PEOPLE NEED TO STEP UP AND SAY SOMETHING. THIS IS NOT THE ONLY BANK THAT HAVE STOLEN MONEY FROM CUSTOMERS. I didn't wanna give you guys any stars.

NFCU is great until something happens. They have so much money they dont have to worry about the small stuff. I was in good standing with a checking, LOC, and credit card. I also did the right thing and purchased the PPP (payment protection plan) that they sold me. Luuuvvved them. That is until I needed the protection plan. Then no one could agree on how to activate it. And then, where to send forms. And if you did send forms to an address that was actually on the plan letter, that was the wrong address.

The company rep assigned to my HELOC application was incompetent and played communication games. She would call me at odd hours, but never answered or called back to my return calls. Same with email - never acknowledged receipt of any correspondence. Asked for material I had already submitted via secure server. I went weeks with no status. I even went by my local branch - attempted to reach her w/ no success. Rather than provide a new rep, NFCU kept this person in loop. I withdrew my app and will never attempt this again with NFCU. Sad, esp since I've been with the company for 33 years.

I've been a Navy Federal member for a decade. I've paid off an auto loan and a signature loan in that time. Recently, my $15k credit card (more than half of my available credit) came up for renewal. NFCU will not renew it, and the only customer service you can speak to for this is via their contact form inhouse mail system. My account is in good standing and has been for years except a few late payments last summer. I've recovered my credit score which is over 600 once again since hard times last summer.

I have several account with Navy Federal, however the complaint is with my business account. I feel that I am being discriminated based on my race and age, by Navy Federal employee. Today I deposited checks into my account and received deliberately deceptive behavior with my financial institution. Teller ** in Stockbridge GA placed a hold on my checks for no reason. Basically because she wanted to put my funds on hold and she used her authority to do so.

Applied for an account on 1/3/2019 after the online process was complete. Navy Federal stated they could not process the case for whatever reason. Contact the Customer Service department and they stated that I needed to provide ID, Proof of how my mom is my mom, and proof of address. Submitted the documents through the emailed link and email address provided. Jan 8th I did not hear anything so I reached again. Only to be told that I had to submit an appeal form with ALL the documents again. Did that again on 01/08/2019 with all the documents. Was told that it would take 15 business days to process. Called after the 15 days because I heard nothing from them. Lady on the line told me to wait 24-48 hours.

Back in 2015 I think I was mistakingly approved for a business loan for a piece of equipment as I have been turned down every year afterwards. Just recently I attempted to apply for a loan to buy another piece of equipment after having been approved by another financial institution and this time NFCU told me that I needed to fill out a loan app, a limited liability company operating agreement and a Certification Regarding Beneficial Owners of Legal Entity Customers. All of this after having been with NFCU for some 30 some odd years personally and some 4 years in a business sense. Each time I’ve attempted to get another piece of equipment financed I’ve been turned down. I can’t understand why being that I’ve just about paid the first loan out and I’m good standing with these people. It's as if they don’t want me to grow my business...

If I could give zero stars I would. I called Navy Federal and a customer cannot increase their ATM withdrawal limit unlike USAA I can call and increase my ATM withdrawal limit to $5000 and go to any ATM and take it out within 48 hours. With Navy Federal $600 is the max, no increases can be done at all, no exceptions. That is pretty pitiful. It's my money and I want it when I want it. Hard to believe they cannot keep up with the competition.

My husband and I have been Navy Federal account holders for 13 years and are currently active duty. I called customer service today to check the status of a refund from Amazon. The refund would have been issued over one month ago according to Amazon but I do not recall seeing it. I called so I may account for this money before calling Amazon.

I am saddened to see that they only have 1 and a half stars on here as of writing this. I have been a NFCU member for 4 years, and I have never had any problems with them. A local credit union, Vystar, has given me so many more problems, mainly with their website and lack of knowledge on the call center portion. I used to love them. But Navy Federal has my heart now. Like I said, I've been with them for 4 years. I have multiple savings accounts, checking accounts, business accounts, a credit card, and will soon be buying a home through them. I cannot recommend them enough. They have always been there when I needed them, are upfront about everything, and provide exceptional customer service.

I've been a member with NFCU since 1979 and NEVER had any issues with any of their products. Maybe I fortunate. Did a lot of business with them while I was on active duty (1988-2011) being stationed all over the world and they've always been there when I needed a loan, credit cards, or help me set up bill-pay. That's more than I can say for my other financial institution (USAA-with them since 1986 and closed everything in late 2017). The returns (interest rates, promos, etc.) on their products are much better than most banks.

I am a Navy vet. I attempted to join online. I sent more ids than required. I received form letters back saying I didn't submit required ids. I submitted a 2nd time, more ids than required. I received the same form letter again. I called. The person answering repeated the same as was in their letters, not offering any help or explanation. She was not interested and did not care. I decided not to join because there is not a physical branch where I live and this type of customer service would make resolving any future problems difficult. I would not recommend opening an account. Very disappointing.

I do not recommend NFCU to anyone looking for a bank. They advertise they support their members but this is not true. I have been a member for over 20 years and through their policies are keeping almost 3,000.00 dollars I have in escrow. I have tried numerous times to have them issue my money to me but they are refusing to do so. 3K may not seem like a lot of money to them but apparently if you become a member you are just another number…

NFCU beat bank I've ever had. Hands down. Always help out in a pinch. Fees aren't crazy for overdrafts and it's really hard to believe that all the reviews on here are negative. Some people must not have ever banked with a large bank. Thanks NFCU for helping me out all the time.

My veteran husband passed leaving me as a beneficiary and or joint on the accounts. I submitted the death certificate immediately and complied with their paperwork requirements. They have delayed access to accounts either visually or to funds. It's been a month. That's scary for anyone that needs to pay bills. They had a glitch throughout all Navy recently and it showed no money in the accounts. That's great! Beware!

I recently had an uncle who was killed accidentally in a car accident, my family sued and recovered a settlement, of course, it’s not enough and could never replace my uncle. However, my grandmother wanted to make sure that all the grandchildren were given something from my uncle. So, she sends cashier’s checks for Christmas from Commerce Bank. Navy Federal put a hold on the “cashier’s check” during Christmas. NFCU could call Commerce to verify the funds in five minutes. NFCU branch superior “Teresa” actually said that Commerce Bank does not verify their cashier's checks “REALLY”, which I know that any bank that is FDIC insured must verify funds, especially to another Bank! This was relayed to me by NFCU call center supervisor “Kate.” Because “Teresa,” refused my call.

*WARNING*! All the NEGATIVE MORTGAGE REVIEWS ARE TRUE!! Their customer service is the WORST! READ YOUR DOCS CAREFULLY and FEES BREAKDOWN! They were inconsistent and fees were outrageous! They avoid answering your emails, voicemails, and never give you any updates! It was very difficult to get a hold of our loan officer! She obviously was avoiding us! She Flat out lied to us about NOT CHARGING the [NON-REFUNDABLE] Appraisal fees! We hadn’t even submitted all required docs nor schedule any Appraisal appointment!

I tried to get an account opened and they had trouble verifying my info, they asked for a photo ID and a utility bill which I sent via their secured document link. Got an email saying the documents were received. Today I got a letter asking for the documents again. If they cannot manage to keep track of important documents sent and received, I sure wouldn't trust them with my $$. I'm really regretting sending the documents now, with all the identity theft issues, I think these folks are incompetent...

I've been with Navy Federal for several years, and no problems to date. Got a secured credit card with $500 being held, then after 9 months or so, my credit card was upgraded to a $2,000 and my $500 security was returned. Keep in mind, folks, that the 99% of customers that have a fine experience, so don't really think of coming to write a review on it.

The fraudulent department is so horrible. I been fighting for my $41,200 for 3 years - keep getting denied because they want to say civil and good faith. This bank let my ex cash my cashier check written in my name, never had joint accounts. We were separated, she had a restraining order against me. I was incarcerated the day she forge and cashed my check, have proof of it and they keep denying me. Someone please let me know if anybody can help. This make me homeless and ever since it be a struggle.

My wallet got stolen, I tried to stop all transaction and they never did, let my account overdrawn from fraud activity. After many request along with police report to close my account they never did. For $168 (fraud activity) charge, they put $730 fees in 30 days and then close my account. (Never did when I asked to.) And then started recovering $730. Says they help military, but instead take advantage for every little bit. Already dealing with identity theft and now this greedy bank, that takes money any time. We stopped all transaction through them and started paying their fees (that shouldn't be there in the first place) in fear of spoiling credit in monthly installment.

After reading these reviews, seems like they screw a lot of folks on fraud. Aka they do not want to protect you aka payout. Anywho, So, I used Navy federal for 9+ years. I had many personal loans, car loans, credit cards etc. All paid In good standing and on time. Well one day, I had $3800+ of a fraudulent transaction on my account. I had physical proof that it was fraud. Well Navy Federal refunded the money. (Money was used for car repairs, shop charged when I was not even there) So I paid another shop to actually do the work and fix the car.

I experience money was not adding up what my balance should have been when I deposit large amount money in my checking account. I tried loan for house and 2 time days before closing it always something wrong and last time of closing 3 days, they said I couldn’t get loan.

This is the worst institution I've EVER dealt with. Every time you call they have some new security requirement you have to add to your account or some new detail you have to give them in order to access your information. I understand the need for security but the ever changing rules are ridiculous. In addition to that, they request information completely unnecessary to the loan process; stuff that is really none of their business or relevant to the loan process. We've had several loans with them over the years and they get worse each year. We've had to submit paperwork (the SAME paperwork) 3 times just to try and transfer a loan we ALREADY HAVE to have my son added on it (his car loan). They keep saying it's wrong when it's absolutely correct and what they're asking for... Look again. They are completely frustrating to deal with!

Summary: Stay away from this bank! Trust me! Stay a w a y!! This bank SUCKS. Stay away. The only reason why I opened a business account with this bank was that they were now accepting Zelle payments which allows me to transfer money from other banks in no time. This was the longest and most painful application I've ever been through with a bank (So you may think that it will be so worth it once you finally open the account), well. They only have one location in South Florida, and if you want to deposit money on an ATM you have to drive there, so I thought Zelle payments would help me. And then.

I deposited $100 a year ago to show good faith on getting a good loan rate. Instead, I went with AIM, who beat them like a drum. Tonight, I got a non-customer offer (although I could get it, too) of a 12 Month 3% CD. Okay... I'll stick around for that. Once online, it's got a $3, 000 maximum (whoopee!) and it requires me to do scheduled direct deposits to a crummy savings account paying spit for interest. I've already found a CU online that pays 3% for a 12 month without strings attached and another that pays 4% for a 48 month... On top of an online bank that pays 2.25% for no fee savings. Must be the CHINESE or RUSSIAN Navy running THIS credit union!!!

Called NFCU to see if I could qualify for a mortgage loan through them. By the time I got ready to submit my documentation like my W-2's and paystubs and other forms needed in order to accurately qualify for a mortgage. The loan officer called me as I was ready to upload everything to tell me that my information was sent to the underwriter and that they didn't approve my loan. How is that even possible without having no type of information in your hand? I spoke with a coworker of mines and she said the same thing happened to her without any explanation. I really think that I should seek legal counsel cause you can’t tell me that it’s not discrimination. I even informed my realtor about what happened. She even said that was odd. Now I'm about to give my business to someone else that I don't have history with. It doesn't make sense.

If I could not give this company any stars it would be great for them to be affiliated with the military. They don’t take care of the military! They do not honor SCRA whatsoever! I sincerely hate this company!

2 weeks ago I visit your branch on Hampton Blvd in Norfolk, Virginia. There was two checks in my name that was cash at one of your branch by a third person. This was done while I was in the hospital. I went to the branch on Hampton Blvd to get help but no one would help me. I went to the police and they couldn’t help me without the branch of where the checks was cash. These checks I have been waiting for them just to find out someone else cash them and wrote my name on the back of the checks. I went to catch this person but the Navy Federal Credit Union won’t help me recover my funds and person who use the branch in my name. Plus I don’t have an account with Navy Federal Credit Union at all.

A company called WWW.TOTALAV.COM charged my debit card for $119.95 on 10/09/18, this transaction never happened in any way. I called over 30 times this past week and your representative I spoke to at the intro of everything turned everything around and cancelled my debit card, I was unsatisfied with that decision without him seeking my approval before doing that, that consequently led into something else and he froze my account, your representative froze my only bank account on a payday after my employer paid and that was last Friday.

This review is specifically about needing technical support for online banking. Every time I go into a branch everyone is fantastic. For a company as big as Navy Federal, technical support for online problems is the worst I have ever dealt with. I originally could not access my account through the desktop computer version. I called technical support to see if they could look into the problem. The representative stated that we needed to reset my password. I quickly learned that the only procedure the technical support knew is to reset a password.

This bank is not here for active, reserves, or vets!!! I have had a payment arrangement set up for my credit line to be paid. This pay period I decided to go with direct deposit from work since I have been getting paper checks. I looked in my account and the loans charge recovery department decided to take more than $1000 from my checking and post it to my credit line, WITHOUT MY PERMISSION. This is the 2nd time this has happened. Regardless of the amount this is happened 1 time too many. If I have a payment set up there should not be a reason why any amount other than specified and agreed upon should be taken out without notifying your members.

I needed an emergency loan and they gave it to me. I asked for more than I needed knowing how they counter offer... They gave me the entire $6k! I applied for the cc a year later with a 10k limit! Holy smokes they are too generous. I allowed my daughter to join and I recommend to join and never miss a payment. They totally take care of you.

Paid $500 for appraisal and home was valued at 426,000 and mind you I owe $250,000 and have good credit. The process was like pulling teeth, most of the time no responses to document submission, emails or phone calls. In fact my processor went on vacation for 2 weeks and never followed up nor did anyone else. Treated me as a nonentity. Now want me to do $10,000 for repairs that existed when I bought this home through them and it was perfectly fine to secure a $20,000 loan. RIDICULOUS. This was all found out by me calling them, they never notified me. Never experienced such a disinterested attitude in all my life.

Claims department tells me to submit a claim after receiving damaged bills from an ATM, and I do so, following the exact instructions I was given. Claims dept then sends me a message telling me essentially, "Not our fault. You fix it." Wow. This is "superior" customer service from a credit union? I have been treated better by the big banks in the past. This is just really, really disappointing.

We were not approved for mortgage refinance due to recent law requiring 6 month waiting period unless borrowing at higher than original loan amount via VA. I asked for a refund of $36. Answer: No. I told her that NFCU should have known the law before running our credit info and charging us a fee for something we could not obtain even though our credit itself was fine. So we have another hit on our credit and paid NFCU $36 receiving NOTHING in return. NFCU just lost any future vehicle and mortgage loans with us.

I went to the bank to cover some transactions from the weekend that made my account overdrawn. When I get there the line is super long with three windows open. I was on my way to work so I ask the person working upfront if I go put this money in the ATM to cover my overdraft will I still acquire overdraft fees. He tells me, "No as long as you have cash." So going off of that information I deposit the money into the ATM and check the next day and I'm hit with 60 dollars of overdraft fees.

So I decided to go with Navy Federal Credit Union for my VA Home Loan because they were offering a great mortgage rate (beating my old standby USAA by about 0.5%). After getting approved I decided to look at some of the online reviews for NFCU. Much to my dismay, the reviews posted online (this website in particular) were overwhelmingly negative. This caused me to look at other lenders, however, NFCU had the best rate I could find. So I decided to roll the dice and stick with them.

I am a Navy veteran but did not join when on active duty. When they started accepting veterans, I joined and got a Visa card. I agreed to do everything online. When a Visa statement was available, I was to get an email. I have checked my profile, and my email is correct. I get plenty of junk emails from them promoting things. In a little over a year, they have failed three times to notify me when a statement is available. One of those times resulted in a late charge. The other two, I found by going to the website, which I should NOT have to do. They seem to be uninterested in doing anything. I am reluctantly looking for another credit union to join so I can leave NFCU.

I don't know where these negative reviews are coming from. I've been with NFCU since I was a young sailor stationed in Italy 38 years ago. Customer Service is excellent. Products are excellent. I do ALL my banking, saving, and investing with them. Never had to wait more than 3 minutes on the phone for service. Products are excellent. I have my mortgage through them as well as two IRAs, Certificates of Deposit, savings, checking, money market... NEVER had an issue. Loyalty goes both ways with NFCU.

Truly wish I had read these reviews first and not applied for an equity line with NF!!! Never, in the 30 plus years I've had mortgages have I experienced this level of negligence, lack of due diligence, or basic communication. It's clear that the overall attitude is 'it's not my job', or it doesn't affect me so I'm not going to do anything about it, reigns supreme.

On 8/18/19 when going to start a business acct I encountered rep: E. R.(I won’t blast her full name for confidentiality purposes — I will do her that favor) at Cameron, NC site. As soon as she called me, (before I confirmed my transaction type), she asked for ID. I gladly gave it to her although I’d never had to show my ID at previous visits. My account balance is pretty high and at first she acted in disbelief that my transaction was legit. Furthermore, she acted as if she didn’t want to help me, & gave minimal help when I asked questions during the process. She was more friendly with the next patrons she called, after me.

I have had a credit card with this company for over two years without any late payments within the last 6 months. Within themselves they have reported me late and each time it has been for a dollar to $3 short of the payment because I guess whoever processed it did not process it for the correct amount which caused a $20 charge at least four different times. I tried to talk to several supervisors that have these charges removed and they refused so as of today I am riding the Better Business Bureau because this is some kind of Consumer Fraud. You don't tell me the right amount to pay so I owe your bank $20 each time because I made the payment over the phone. Just sad.

I have been a loyal member of NFCU since I first enlisted in the Marine 10 years ago, and I honestly felt that being a member at NFCU is a special privilege for those who served. However, I recently lost $4,500 to an online fraud that have really devastated my family. This is result of someone gaining access to my NFCU account and transfer $4,500 from my checking to an external account claimed to be under my name. Despite NFCU knowing the external account does not belong to me, NFCU is holding me accountable, and is only willing to request the return of fund from Bank of America. The account does not belong to me and the fund transferred to that external account is long gone.

If I can give this bank zero stars I would. First we went to talk to a mortgage representative who was rude when we told her we wanted the 30 year fixed rate and zero downpayment. We knew from beforehand talking from talking to an earlier representative this was possible. She started telling us we would have to pay 18k in downpayment not including 10k for closing cost. When we asked her to explain she ignored us and kept pestering us to pick a plan without actually explaining. Finally we left to another bank representative. At this point we found someone to help us.

I applied for a home equity loan with Navy Federal Credit Union. Being a veteran, I figured they would have better rates and would take good care of me. Stupid me!!! My wife and I have excellent credit, and a lot of equity so this should have been simple. The AVM that the credit union uses lowballed my appraisal so they were going to force me to pay anywhere between $450 and $500 for a full appraisal. They told me three different prices with the loan process.

When applying online, In which you must considering there aren't any mortgage loan officers inside of the actual branches here in Georgia, the process is hell. It takes them about 72 hours or more to acknowledge your online application, and another 48 hours to assign it to a loan officer. During my process I worked with Deneen ** (now ** I believe) **. What a complete disappointment. She was non responsive to emails or phone calls. She did not show up for our arranged meeting and told me that she would have to reschedule.

I believe NFCU is just crooked. The rules of processing change depending on the day of the week or what rep answers your call. And they aren't willing to listen. Not people friendly. Not for the people by any means. They find every way possible to charge fees and are unwilling to even accommodate a one time courtesy adjustment. Ex: I have a direct deposit that hits the 15th & last day of the month every month. Deposit in question is for 7/31.

I've cashed the exact same type of paycheck from the same company for over a year at Navy Federal, it has always cleared with no problem and now suddenly there has been a 3 day hold on all of my checks. The first time it happened I was not told by the woman at the drive through until after I deposited my check. So ever since I've gone inside to deposit my check and asked the teller about the hold, 3 times in a row I got a male teller and they waived the hold with no problem explaining to me that it is up to teller discretion whether or not to waive the hold and that all the teller has to do is look and see that my check has not bounce and there has been no suspicious activity. Well this last time I went in and got a woman teller again, she refused to waived the hold then proceeded to lie to me and say that they aren't allowed to waive holds. I told her they've waived it before and she lied again saying they can't waive it more than once.

Just wanted to my compliments to your staff at the Marron St, Carlsbad location. Your representative Ms. ** was a joy to interact with. While my business was pedestrian in nature, she treated me with great verve and professional talent. My experience was both uplifting and rewarding. I only wish other social businesses would observe such performance. I understand this little bit of, pay it forward, fluff doesn't always show up on the big radar of corporate. Nevertheless... I just wanted to testify. Kudos, to your personnel and again to Ms. **... she is very deserving of high praise. Thanks.

I used Navy Federal for the biggest loan of my life a mortgage and it was a mistake. You would think they would have their stuff together and be great at VA loans but not at all. They were asking for documents the day of my closing. Then they promised me I could buy down my interest rate the day I closed. I even told them I wanted by my interest rate down if I was within 1500.00 when I closed. When I closed I was 300$ from being able to buy down 1 point. They screwed up and didn't do it and then they tried to fix it after. They said all documents would need to be resigned by me and the seller.

I paid for my husband and I to eat at a small restaurant and the girl that swiped my card had swiped it a couple times because she said the card wasn’t going through after the second or third swipe it went through. I signed the receipt and left. A couple days later I noticed on my bank account that the restaurant charged me 3 times when I should have been charged once. I called the bank to let them know and as I spoke to a woman it kinda seemed like she didn’t really believe me but I told her it makes no sense why I would eat at the same place 3 times in one day!

I’m a veteran who opened account because I was told this was a good bank. Boy was I wrong! I have never been able to use the account. Now I am being told that the account was closed a month ago. Mind you I have received no notice of this in the mail and I actually received a statement from them last month! I am currently sitting in a branch. They can see where the account was closed and there has been no check issued to me returning my funds but they don’t know where the money is! HOW?! That doesn’t even make sense. I have been here for almost an hour and I am on hold in the phone and have been for a long time now. I’m just getting the runaround which seems to be the norm for them. Do not use this bank. RUN! They will take your money and leave you high & dry! I have a terrible feeling that I will be leaving without my money today.

Just spent the last 30 minutes attempting to verify my account after representative decide to put a security alert because she heard me on speakerphone with my son on the previous call. After requesting to speak to a supervisor he began to make me start from the beginning with his additional questions! Horrible customer service and have had my accounts for over 15 years!!! Out of disbelief I actually started to record the conversation!

I have been with Navy Federal for 25 years. I have always felt that there was some fraud going on because it always seemed as if money was surreptitiously being taken out of my account. In June 2018 I deducted every amount that I spent from my initial monthly deposit and I came up 150.00 short. I noticed this when I realized an item seemed to be deducted from my checking twice. When I told NavFed, I received sarcastic nasty answers from the clerk, and being a vet with PTSD I served it right back. I sent an email to them (NavFed) and they stated go to the nearest bank. Why? Then they stated that they would send me statements in PDF files and to let them know what the discrepancy was. WHY? I told you what it was and what I did. You could do the same thing just as easily. I subtracted all of the items from my account.

I have had 8 years to finally come out of the fog that I have been living in. Eight years ago I had to go through trying to save my 26 year old daughter from drugs, we got behind our mortgage, for 33 years we were never behind paying our mortgage, at the time all I could think of was saving my baby! My daughter died in 2010. I then tried to get back on track with our mortgage and try to save our home, especially for my son. When I called to get help the women I spoke with just laughed and said even if I tried to pay I would lose my home anyway.

Have been fighting almost a year to receive my money that was taken out of my account by Stg Auto Chrysler and Santa Ana. It seems I jumped out of the frying pan into the fire. These companies have taken everything. Chrysler wiped my account out. Chrysler lies and say they didn’t and the proof is there. Stg Auto refuses to pay back what they took. It had no reason to take credit card payments. I didn’t even own a credit card. No security alert. No call for unusual activity. Nephi Navy dropped the ball. While I’m fighting another 500 comes through. No mention of all of these charges. I’m finding out by different representatives as well as different rules. When does it ever become OK to lose your money and be told it’s too late or it’s been too long. I give a damn if it’s been one day before Jesus returns if I didn’t authorize it if it wasn’t my doing and if it was my money and I didn’t spend it it’s due to me.

Navy Federal Credit Union you should be ashamed of yourselves. So this is how you treat families of our service men and women. I've been dealing with these people for over 2 months now. All they did was put me off, keep me on the phone for hours, make me fax forms over and over again. They told me my check went out 5/31. Today I find out nothing went out, nothing was in my file. So I said, "You guys basically just lied." She said, "Yes." This is totally UNACCEPTABLE. I will continue posting, filing complaints everywhere I can.

This credit union is completely incompetent at sending international bank transfers. They cannot seem to comprehend that other countries do not have things like postal codes. They need to hire people with some international experience so they can better understand how to do business globally.

I applied for membership at NFCU 6 months ago. I opened a savings account and deposited money in the account. I then received a credit card from the company but was never given access to the card because the account was restricted. They asked for verifying documents of my address and identity which I complied with. Never heard a response back from them. I had to chase them down and asked the status. They told me to drive to a branch location (nearest was 2 hours away) to provide the supporting documentation.

Navy Federal Credit Union has worse customer service than NetSpend, my wallet was stolen. I filed a police report and fraud claim on charges that were on my card. For three days I called and they did nothing, mind you I had already been into the bank and she did not tell me that they had frozen my account. She just gave me a new card and said it would be ready to use. I tried to go to the gas station and found out I couldn’t do anything with my account via debit card or in the branch.

What a lousy organization. $1 Charge to withdraw money even from their own atms. 5 day hold on checks deposited. Others at least release 10%. Staff doesn't seem to care. Why do business with this organization? Not me. Average rating 2 stars well deserved if not less!

Today was launch of new system. I can't get in to view account details and balance. After updating with new password, screen is blank and because it is after hours there is no one to help. New system should have been thoroughly tested before implementation and there should be extended customer service for implementation period (at least a few days)...apparently neither so that the type of customer service to expect. Other negative review about 30+ minute hold times support my opinion.

The reason is they are a terrible credit union! I will tell you that they do not know what they are doing. They approved my mom's check I deposit on the mobile app. My mom forgot to sign it, I did not catch it so two days later on they just froze everything. I was really upset I called the security of the bank. They said, "We cannot unfreeze your account for five days!" A weird lady started asking me, "Oh you have too much money going out of your account!" She was asking me questions that did not pertain to the check. I was upset. I went to the bank to try to close my account and they said my account is frozen. I was upset I started cussing and I am 100% disabled Veteran. I am manic depressive disorder.

I regret opening my bank account here because of the problems me and my wife have encountered when we have to service our account. Maybe you will be lucky and not have any issues, but anytime I go into the local branch every worker there has an attitude and gives the general feeling of not wanting to work there. What's worse is when I come to them with my issue they correct me as if I caused the problem. If that's not an example of poor customer service I challenge you to find worse. I tend to be an understanding guy, but screw the idiots at this bank and branch. Even Wells Fargo wasn't this bad.

I have been a member of NFCU for 43 years and have found the credit union to be top notch. I’ve had bank accounts with other banks over the years. Primarily because the company I worked for would auto deposit my pay only at their bank. But I have always maintained my NFCU account. NFCU has financed every car I’ve bought in the past 20 years and they even finance my house. The staff are always friendly and go out of their way to be helpful and resolve any issue that arises. Everyone in my family is a member and I encourage everyone who qualifies to join.

Navy Federal would not issue me another card without my sending proof of my identification, which of I course was lost with my wallet.

I and my business partner took an early Friday morning off to set up a business checking account at NFCU. I had everything prepared application, certificate of formation, consent from directors and an EIN verification. We arrived at 1000 hrs at a branch in Sugar Land, Texas. We were told to wait in the lobby and within 5 minutes a young man shows up and I noticed that his badge was upside down so I let him know (this was an omen). He explains to us that not only do the two of us have to be on the account but our 2 other Board of Directors as well. I tell him no, that does not sound right. So he calls the business HQs and they tell him that the other directors do not need to be on the account but eligible to be members.

I've seen a lot of post bad experience, but mine has been by far a really good experience. Any fraudulent activities on my account had been taken care of immediately regardless if it was my credit card or checking. I recently found out about getting my paycheck released a day early and that is always a plus when something happens. When I need to get that done, the rep just verifies some information and my funds are available within minutes. Yes, the return check fee is a bit high, but that's where you should be responsible with spending. I think my only issue would be that the interest on the credit cards are too high. Other than that my family and I all love Navy Fed.

I wanted to refinance my house, and in talking to NFCU's representative, they said it would be faster to apply for membership with a deposit. I went online several times and tried to get an account. Their temporary pin and verification system was a nightmare. After they gave me the loan information, I decided not to refinance. So, about 20 months later from when I opened my account, I got a letter informing me I owed NFCU money. I discovered NFCU had been charging me $5/month for an "e-checking" account from my ($100) savings account. I don't know if the checking and savings accounts are severable; but if it had been an Everyday Checking a $50 deposit would have covered any fees.

My husband is been with Navy Federal 24 years. The last 5 years Navy Federal is a pain in my **. Customer services is the worse. They no want to help or have some excuses, I have two loan with them. One is a consolidation loan. I ask for put the 2 loan in one. They say, "No. We no do consolidation loan." Really? I have one with them, I no ask for more money. I ask put the two loan in one payment one interest. They say no, they want to have two payments. Every time I say this to another person say this is really no right that why I change bank.

These idiots must think people are stupid (maybe we are for banking with them)!!! I had an available credit of $10,350.71 on my credit yesterday. I used my card for business purposes and spent $4,125.54, which left me with a remaining credit of $6,374.63. I made a payment of $6,000 after my purchases. This should give me an available credit of $12,374.63 once the payment clears. I went onto the site to see if the payment cleared, and found out that I had an available balance of $2,374.63. Then it showed I had a credited amount of $4,009.78.

I've been banking with NFCU since 2000. I finally have the chance to find out how their customer service department and "digital service department" treat their client. I have a monthly direct deposit to my account hoping to accumulate funds for my kids future. I forgot my password for online access so I contacted the customer service department and digital service department. I went through almost 6 hours of hassle attempting to have my "code word" removed.

I applied for a pre-qual mortgage letter and received one after providing all required information including the fact that I have an approved retirement date. Having received an approved pre-qual I signed a contract on a home, paid for a home inspection and proceeded with the purchase process until I was notified that they would in fact NOT lend me the money to purchase a home as I was retiring in eight months. After I was denied I asked if they would please email me the credit report that they charged me $18.50 for and they refused stating that I would receive a copy from Equifax in 7-10 business days. Even though they had a digital copy of my report, they refused to send a copy to me. I have borrowed from Navy Fed for mortgages twice before without issue or concern but the level of service and lack of thorough screening in the pre-qual process cost me $348.50 that could have been avoided.

My husband and I have been going through Navy Federal and taking advantage of his VA benefits for our new mortgage. Navy Federal has been the absolute worst when it comes to this process. It started out great, low interest rate, getting information over to them and getting decent feedback. Then all of a sudden our rep through Navy Federal dropped us to a new person. We have since then been bounced between these two reps without any explanation as to why. And that person then started asking for information we had already provided. Claiming it wasn't received. Then we would get the info into them again, ask if they needed anything else, receiving a "no" response.

We have been with NFCU for 30+ years. We recently applied for a mortgage loan and were promised for a prompt response. We have an outstanding credit 800+. It took our mortgage officer over a week to call us regarding our application and it was very apparent that she had never looked at our application when she called. She did not even know who the vet was and I had included the DD214 in the package. I asked that her supervisor give me a call. It has been six weeks. No call. I have called and it is impossible to reach anyone to speak with them. We went through NFCU before and it was wonderful. Their practices and ethics have taken a nose dive. Do NOT use this company. There are no longer any ethics. They will lie when the truth would do better.

I didn't care for them the last time I used them. I thought well maybe things are better after 10 years or more. I was wrong. First, if you have any money in your account and you are late on a bill they take all they need. I've talked to other people this has happened to. Second, no matter how many loans you have they will be due on the same date. The date is based on your account number. Apparently, the 11th is my date. I asked a lady to change it... her response was "well... pay your bills a month early." While that would be nice, I hope to get to that point.

Navy Federal notified me by phone that someone was fraudulently using my credit card. The representative advised of the charges and situation and said they would handle it, and not to worry. I kept in contact with them regarding the additional charges that were made. They cancelled my card and husband's cards and sent new cards by overnight mail. 3 months later the larger of the fraudulent charges were placed by on my account with my knowledge. I went online to make my payment and noticed my card was way over the limit. I put in a dispute for the charges and the agent basically accused me of lying because there is a chip in my card. Since I'm not a criminal, I know nothing about Chips. I've spoken with 3 representatives and they still have not removed the charges. My credit scores have been affected by this, since my card is over it's limit! Terrible customer service!!!!!

I've been a member since the first few weeks of boot camp in Jan 2001. In that 17 years they've only me no once when I needed a loan or credit and had nowhere else to turn. I'll admit the interest rates could be better for some of the services, especially for a long-term member; but they are still competitive with the market. Overall, I love being a member!

My husband and I have been banking with NFCU for over 7 years now. He was active duty in the USMC, but now he is retired. We also bank with Truliant, and the only reason we didn't use NFCU is because they didn't provide the type of account we needed. NFCU has always really helped us out through many different situations of financial hardship, but I'll just share the experience I had today with them.

I had applied for a small personal loan. I make more than enough money to pay the loan back but we had an emergency and I asked to borrow $7K. I have been with them for years. Twice they screwed my credit up by making hard inquiries and denying a credit increase. Last time they put it in the system like 8 times and it dropped my score. My credit score is in the 600s. It’s not great but could be worse they told me. We use not only credit but other factors, after giving the woman my information I get "oh I'm sorry you have been denied". What? You know that after 5 minutes on the phone with me?

I paid a credit card off in full to Navy Federal. Had payments taken out of my Wells Fargo account, told them to stop after I paid them in full, Navy Federal would not stop nor would they despot the money back into my Wells Fargo account. They said I gave them permission to take money out... not for ever. I did not. My account was paid in full and they kept taking money even after I told them not to... STAY AWAY FROM HERE. Going to a lawyer. And they are charging me for my checks I charged back to them, going to small claims court. DO NOT SET UP AUTOMATIC PAYMENTS. THEY WILL NOT STOP TAKING MONEY!

This bank is horrible, they help themselves to your hard earned money! Don’t dare have a emergency and be behind on a payment, not only will they take it out of your account without your permission, they will freeze your account! Thanks for being understanding Navy Federal, had a family emergency and they took my child care payment out of my account and left the account in the negative, now my loan payment is not 5 days past due anymore but I can’t go to work!! Wouldn’t even let me make the payment up next week!

I lost my car in electrical short wire 5 mos. ago. So I wanted to get car loan for another car. They "no" in 1 minute now. My credit is low now. But I have been with Credit Union for 25 years. Now can't work any overtime because of no car. Well I'm upset. This credit union get 4 F's in attitude toward Veterans like me not let succeed.

My husband deposited the gift I gave him into Navy Federal Credit Union. Navy Federal Credit Union kept the deposit, froze his account and lied to both the CFPB and Senator John McCain about the deposit. I found the CFPB response letter where Navy Federal Credit Union states the names provided do not constitute sufficient information to enable us to identify any applicable accounts at Navy Federal Credit Union. I have sent a copy of that letter and Navy Federal Credit Union account statement showing how long the account has been open to both the CFPB and Senator John McCain.

This is the second time they took my money without my authorization. I had an overdraft account that I told them I would pay off in December. I moved over $300 to my savings. They grabbed it out my account today and said it was sent over to my old account. No one sent me a letter saying they were going to do this or nothing.

I will say I had an amazing experience being financed with NFCU since 09/2013 for my vehicle. My funding process was very fast, and I was able to maintain all my payments on time; in fact I was paid ahead by 7 months on my payments. Unfortunately, my vehicle was totaled this month, 11/2017, but the process to payoff the car was as smooth as can be. Additionally, I made a payment right before my vehicle was paid off, which had been prescheduled, and within 48 business hours of my payoff posting to the account, I had my refund amount available in my savings account with NFCU! Working in the autofinancing industry myself, I know that many institutions get a bad wrap when things occur, but I will say in every interaction that I had with NFCU, I had a pleasant experience.

Navy Federal is a joke. Do NOT buy gift cards from there - they will steal your money in a service fee of $5 per month if you do not use card. They stole $40 from my son. Card had expiration date of 1/21 and he didn’t get to use any of his cards - he was saving up and Navy Federal took all his money.

Navy Federal scammed me out my money. Sent my loan to collections as charged off, so when I deposited my daughter college refund check they took all her money. I don't care who you have debt with and who you owe. Nobody should be able to watch your account waiting for a deposit just to snatch your money to clear a debt. People fall short all the time, I have learned that Navy Federal got sued last year about how they wrongfully go about collecting money to clear loans that their customers fall short to pay. I hope they get sued again, but I will be taking legal action hiring me a lawyer. They don't care about families. All they care about is meeting their quotas to get a debt paid. They have lost my business and my daughter will not be banking with them anymore either.

Teller: **, refuse to serve me even though I was a joint owner on the account. She did not give me a receipt and continued to argue with me about having a debit card, that has my spouse name on it. They have too many revolving rules. One day I go up there and use my ID and her account number never questioned about. She decided to take her time using the information I gave her and I sat there for 15 minutes. Navy Federal really needs to educate the staff and make it known what can and cannot be used when making a deposit. These bad experiences happen at least every 6 months or so with them!

The Navy Federal Credit Union - NFCU allowed a third party entity to garnish over $65,000 in retroactive pay from the Veterans Disability Compensation department. This amount was awarded to me due to physical and mental injuries I've incurred from military service. The NFCU violated the Veterans Disability Protection Act of 2010, violates Title 38, Section 5301(a)(1) and violates 31 CFR 212.6. I've reported the institution to the Consumer Financial Protection Bureau, the Better Business Bureau and I initiated a Congressional Inquiry via the Honorable David Valadao of Hanford, California. To this day, the NFCU has failed to provide a formal response.

Trying to get some money transferred from a savings account to the charged off debit card so I can that crap off my credit so I can get a mortgage. Mind you I haven't used this bank since I switch to USAA in 2010 for checking. I've had a credit card through them and had to finish paying off my car loan. Both ended in 2014. Had a really bad financial situation and paying the credit card wasn't important as Oh say paying rent, my car, or my utilities so I waited. Now I can but they're making it super hard to get anything done.

Nothing I have ever, ever done with this credit union is simple or easy. There is ALWAYS some reason my funds are unavailable or they are taking money for credit cards, they've done credit checks on me without my permission, consistently turn me down for any kind of loan despite my having good credit and have never been late for a single payment on any credit card. Depositing verified CASH into any other ATM results in a FIVE DAY hold that is irreversible. It is the year 2017, with all the other institutions capable of doing things so quickly how is that even possible for it to take five days to make available HARD AMERICAN CURRENCY that is verified by the ATM at the time of the deposit? There is quite literally no benefit to using Navy Federal over any other institution as far as a checking account is concerned.

Took in some coins to deposit, just like I have done at Pentagon Federal, Bank of America, Wells Fargo, Citibank and others over the years, only to have the teller at the Sterling Virginia branch compare the length of each of the 4 rolls to another one right in front of me this time, another time weighed the rolls of coins right in front of me. Literally the ONLY place that has done this right in front of me in DECADES. Guy at the desk said that was Navy Federal POLICY. REALLY STUPID this day and age, spending lots of money on ads and other items for customer acquisition, doing penny ante stuff like this which torpedoes customer retention. I'm a senior IT professional, upper income bracket, dress and act accordingly, too many other places to invest my money to put up with this crap.

This mortgage department is unable to do simple math. For example, if you have a mortgage that is 1,000 dollars a month and you send them 500 dollars from one bank and 500 from another bank, on the same day, they will "apply both to principal" because alone they do not add up to your payment amount. Your next statement will have two months worth of payments due plus a late fee.

Initially I had tried to work with Navy Federal to lower my credit card interest rate from the 19% it's at now but the manager at the branch that I went to told me that they could not help me. After a year I'm still unable to get the rate lowered. Two days ago I went into a different branch to make a payment on my credit card and today I get a notice that I'm delinquent. When I called the number in the e-mail they told me that the branch destroyed my check because they did not accept my identification; I guess my access code and password are not acceptable when making a payment.

In their description of overdraft protection transactions less than or equaling $5 would not incur the $20.00 "service" fee... What a lying crock! They had a new accounts promotion at the V.A. hospital in Los Angeles… neglecting to inform the vets that the nearest branch was 400+ miles away! I was charged $20 each for $2, $3 etc totaling less than $5 in a 24 hour period. Usury laws have gone the way of habeas corpus, posse comitatus, and our civil rights in general. Corporate America has declared "open season" on the public.

I was buying a home and the first red flag should have been when the loan officer told me he didn't want to start the process to lock in my rate until after inspection because processing a loan is "a lot of work"... That's your job. Secondly, once we knew the closing date, turns out I was going to be overseas. I called and the loan officer confirmed that my agent could be my power of attorney to approve closing costs and close for me. He even went to a supervisor who concurred it was ok. I get a Power of Attorney and submit it asap.

Ok so I have been with NFCU for almost a year. When I first open a account through them I applied for a credit card and was turned down 3 times after I sent 3 reconsideration letters via message online. Ok so weeks roll by. When they call to setup my account I told the woman on the phone what happen and she had me apply again and miraculously a few hours later I receive a message saying I was approved for a $1000 credit line.

I just recently moved to El Paso Texas. Went to a business and they took my cashier’s check and gave me no service. About an hour ago a security officer called me, because I made many attempts to get my stolen money back. The CSR's are extremely rude and lazy. This has been my credit union for twenty years. This place is sinking downhill and seems to have financial issues. The institution seems to be finding ways to rip people off in any way they know how. It is not ethical, to allow a customer to be ignored. Signed Navy Veteran who fought in a war. Thank You Navy Federal Credit Union for making me feel unappreciated. Now that's customer service...

I called Navy Federal because online it was showing a late payment on my account. The late payment showed that I owed for 2 payments instead of the one that I originally owed. I called customer service and they stated that they show 2 payments down on your account whenever you are just one day late. I told her that it did not give that explanation online. After stating this, the Representative obviously got annoyed with me and stated, "Can I help you with anything else?" I told her that she can get a supervisor due to her being very short with me. She asked, "May I place you on hold?" I told her, "No. Please get a supervisor." She stated that, "I am finished with this call." And just held the phone. I called her an idiot and she stated that I can not speak to a supervisor and hung up. I just want an explanation that makes sense. She was very rude and should not be speaking to customers at all. I am very upset with Navy Federal.

I am very satisfied with the service and quick update of all transaction on my accounts. The transfer of fund from one account to my children is amazing.

I have been with NFCU for over 10 years. I love the customer service, their security and the fact that it doesn't cost me anything to bank with them.

When my husband died 22 years ago, our account was with NFCU. I have had no problems with the credit union and have gone in for personal assistance on more than one occasion. Have always received outstanding service and information.

If you can get a membership, it is well worth it. Online banking is the best, and ATM's are all over the country. Great rates on all types of loans... can't be beat.

Sends text messages whenever there are extraordinary charges or fraud so I can call and either explain my purchases or tell them I am not in Kansas at a hotel. Very vigilant at this!

The absolute best experience we've had with Navy Federal Credit Union has been refinancing our mortgage. Before that, we had been bounced around to 3 other banks as our mortgage was bought and sold repeatedly. We were fed up with that and refinanced with NFCU. Their promise: They will never sell our mortgage, ever. Nor do we get the constant stream of spam mail dealing with the other banks always brought. They've been dependable, reliable and always courteous both in person and over the phone. Very happy we are with them.

I have my payment submitted. Paying a credit balance to $0.00 but it takes them up to 72 hours to process payment. When I called to see if they could temporarily raise the limit so I could finish my purchase while still taking advantage of the incentives I get for using their financial institution, they were less than willing. Way to lose a customer on something so simple. I can go find a credit card company that wants to work with their customers who regularly keep a $0.00 balance on their cards because they pay them off within a month. It could have been so simple to retain a customer/member. But instead you wanted to suggest that I wait a "couple more days" and sit on the floor while I wait for you to get your ducks in a row. No thanks. I have the cash.

My husband and I initially tried to use Navy Federal to buy a house back in 2015. We got such a runaround and such poor service that I'm not sure why we started trying to use them again now for a home refinance, other than that they offer more generous terms than many others. Well, still a mistake. The underwriting process was going fine until the home appraisal. The appraisal came in laughably low, which caused us to look into what was going on. Turned out that the appraiser was a trainee. So we started the appeal process with the underwriting department. It felt a little bit like that conversation from Idiocracy about plants and electrolytes. We would give them an appeal, they would return it and say, "You can't talk about X in your letter." We would say, "We didn't." They would say, "You did." And we would say, "Where in the letter do you see this?" Silence. Brawndo's got what plants crave.

If I could give it a zero star I would, that's how pissed off I am at this ** bank. Calling to get something resolve is like talking to a ** wall. Everyone I call to speak to someone in customer service it always leads to nothing getting fix. They treat their customer so poorly when stuff happens. There's so much I could say about this bank but I'm not going to waste anymore of my time to.

Unbelievably incompetent: screwed up wire transfers, failed to send wire transfers and did not inform me, and froze accounts with no notice or explanation while I was overseas. YOU CANNOT SPEAK TO A HUMAN BEING so you have to call multiple times through the computer system, and then re-explain your problem each time to a new person. Finally, had HAD IT and closed my accounts, which the bank re-opened without my permission or telling me, and began accepting deposits into an account for which I no longer had access. NEVER SEEN such horrible practices -- and it's obvious that management and leadership DO NOT CARE. I over the years had over $1M there and couldn't even get anyone to address the problems. Or even return a phone call.

The Office in San Diego Cal 92117, they gave me false information about getting a new Debit Card. I asked for a manager and the manager continued to give me wrong information about receiving a new debit card. I then called the phone customer service and a women named Jacklyn said I would receive my new debit card the next day by Federal Express. They said it would be a duplicate to the one I had. It never came. I went to the San Diego Office 92117 and asked about the issue. They said, "For the information but you can not receive a duplicate card". The office did not care about resolving the situation. I was upset and told them why are they lying to me. This went on for 4 days.

Approximately twenty years ago as a retired Navy Chief having successfully raised two, retired with 5 Navy Achievement Medals, 1 Navy Commendation Medal and a Meritorious Mast from the USMC when comms was lost I took over the rescue of the USS Vancouver's AAVs in Operation Sea Angel off Bangladesh; I had a twenty something try to educate me on handling my financial affairs. I moved my money, leaving $100 in my acct, to NICU where I still bank today. I only maintained the use of my NFCU Visa ever since. I have tried to register to access my Visa Acct online several times over the years and have always had something blocking me from doing so. In real life there is a statute of limitations but for this notice which I found out was supposedly an outstanding check (which I never wrote) it's apparently been twenty years and they're still pursuing it. The one thing that NFCU excels in is growth, but don't expect Customer Service.

I began the process of refinancing my existing mortgage with Navy in April 2017. The trail of tears is as follows: Ran a preliminary analysis and quoted me 3.25 + 0 points. Received preliminary approval 3.25 + 5.0% points. Said rate change because I was in their B class due to FICO score (below 720—barely). I told them did they want to believe the FICO or the fact that I had 3 loans with them always paid as agreed. They said it did not matter. Members and Off the Street—same. After arguing and me escalating the matter up the chain, I was offered 3.5 + 0.5% points. I said OK and gave them permission to order $625 appraisal per preliminary closing statement. Appraisal came in lower than expected (surprise..! All appraiser are writing conservative values). Their new offer 4.25% on a 3-year ARM. I am currently paying 4.25% for 30 year fixed loan.

Worst experience of my life, almost worse than boot camp. Customer service non-existent and a high degree of loan officer incompetence. Loan date made incorrect to begin with and told by my loan officer Deanna ** that I need to apply for new interest rate on behalf of her error. From then on, everything that could go wrong went wrong, up to the day I closed. I am still waiting on credits to my account. Please, use anyone but Navy Federal for your home loan, you have been warned!

Long story short: Opened an account online Apr 24, 2017 and funded with $50 via debit card from Chase. Accessed the account online ok. Two hours later the account was locked. Called and was told I was not eligible - fine - they would mail a refund check to the address of record. Waited 30 days, no check. Now I am told there is a security issue, and I need to go to a branch, which is 30 miles away. Thanks for communicating so well. Little do they know they missed out on two substantial trust accounts. They're not crooks, just lazy.

I have been a victim of chip card cloning twice in the past 4 months. Physical copies of my card were made and purchases of thousands of dollars were allowed to go through in several different states and even in the UK in a matter of minutes without being detected by their fraud department. Federal regulations prevent banks from holding you financially responsible for fraudulent purchases but Navy Federal has found a way to draw out the process as long as humanly possible. When the purchases are made they go into a pending status which affects your available balance. At this point Navy Federal will not do anything until the charges actually clear which can take two to five business days depending on the merchant. You then must submit a fraud claim to them which will take another two to five business days.

My father decide to change banks cause it was military and no more withdrawal charges. He switched 1stNB to Navy Federal Credit Union. He is on a fixed income as well as myself. I have had Six Back surgery myself. Okay my dad is getting ready to have Heart surgery sometime next month. On April 7, 17 he had to do some final testing so he ask me to hold on to his Debit card. I said yes as long as he put his pin number on it. I have a lost of memory that's why I told him to put it on his card.

I applied for membership on 4/11/17 after being told by NAVY membership dept. on phone I am eligible in many ways. I applied provided every document known to man received receipt acknowledging documents received. Waited until 4/20, called to follow up, was told needed a few days to review. On 4/26 I received an email welcoming me but not providing any details or account information. I received my Credit Bureau report for 2 hard pulls and another report stating account created as I am an OPM identity theft victim with excellent credit, heavily monitored. Today on 4/27/17 I received an email stating I'm not eligible and to forward this same documentation to them again by the same department. I responded stating already completed, account open.

Long story short, I had a very high credit limit of which I only used up 1/3 of my limit. Was paying my credit card on time, never late and always paid more than the minimum. Then they choose to close my account because they couldn't get a hold of me. Yes that's correct; they couldn't get a hold of me so they chose to close my account entirely. I had taken out loans that I paid before the due dates. I had a savings account with them and now I want nothing to do with them. I will never use them again. Ever.